How do I maximize my employer 401(k) match?

Many employees are not taking full advantage of their employer's matching contributions. If, for example, your contribution percentage is so high that you obtain the $18,000 (year 2016) limit or $24,000 (year 2016) limit for those 50 years or older in the first few months of the year then you have probably maximized your contribution but minimized your employer's matching contribution.
Pay period frequency 
Current annual income ($) 
Age at end of year 
Primary Matching Schedule
Employer match (%) 
Up to (%) 
Secondary Matching Schedule (If applicable)
Employer match (%) 
On next (%) 
The information provided here is to assist you in planning for your future. Any analysis is a result of the information you have provided. Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary therefore, the information should be relied upon when coordinated with individual professional advice.

Any rate of return entered into the interactive calculator to project future values should be a reasonable average return for the period. Rates of return will vary over time, and generally the higher the rate of return the higher the degree of risk.

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